When insurance isn’t boring — when you need it but haven’t got it

  • Possible reasons for under-insurance
  • Which types of insurance are worst?
  • Basic idea of insurance — why it’s best to be a “loser”
  • What cover do you really need?
  • When to review your insurance
  • Who to get your insurance from

Mary Holm is a freelance journalist, a director of the Financial Markets Authority and Financial Services Complaints Ltd FSCL, a seminar presenter and a bestselling author on personal finance. Her opinions are personal, and do not reflect the position of any organisation in which she holds office. Mary’s advice is of a general nature, and she is not responsible for any loss that any reader may suffer from following it.